This charming and inviting beachside cottage is ready for you to move in! Featuring two bedrooms plus a den, this home has been lovingly cared for and is in excellent condition. The exterior boasts brick pavers and a beautiful variety of native flowering plants and shrubs. Inside, you'll find a bright and airy great room layout. The kitchen is equipped with white wooden cabinets, illuminated display cases, and granite countertops. Travertine marble flooring flows throughout the main living spaces. The den is bathed in natural light, overlooks a lovely garden, and includes a Murphy bed for visiting guests. The owner's suite offers a cozy sitting area and is separated from the second bedroom, ensuring a peaceful and private escape with direct access to the outdoor space. The owner's bathroom is generously sized, featuring a soaking tub and a large shower that is pre-wired for a steam option. The garage has been transformed into an additional living area but can easily be reverted back. The backyard is a serene oasis, complete with a spacious brick paver patio ideal for hosting family and friends. It is fully fenced and beautifully landscaped. This home has deeded boat ramp rights. For a nominal fee per year, you can join the boating association and launch a boat/jet ski/kayak. The launch is located on 3rd St. and is a quick 15-minute ride to the Gulf of Mexico. Located in flood zone X.
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Our Executive Mortgage Banker:
Our Insurance Division:
$550,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $440,000 | $440,000 | $440,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.875% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.191% | 7.171% | 6.276% |
Monthly Tax Payment | $260 | $260 | $260 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,890 | $2,924 | $3,711 |
Total Monthly Payment | $3,242 | $3,276 | $4,063 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.